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The company BestDebtConsolidationLoans.org recently surveyed the debt relief companies available to New Yorkers and identified the three "best" online companies that are honest, ethical and whose fees are reasonable.

These companies are National Debt Relief, CuraDebt and American Debt Enders.

Despite the fact that the Great Recession technically ended in June of 2009, many New Yorkers still have problems paying their bills and are falling further and further into debt. This can be seen by the fact that New Yorkers carry an average credit card debt of $6792, which is about $1500 higher than the US average credit card debt of $5235 per borrower.

New York's unemployment rate as of late last year was 7.1%. Since the state’s total workforce is 8,542,280 this means that more than 600,000 New Yorkers remain unemployed.

On a happier note New Yorkers have an average credit score of 728 versus the nation's average FICO score of 689. However, the state's percentage of home ownership is only 54.5% in comparison with the U.S.’s home ownership rate of 65%.

New Yorkers continue to be battered by the increasing costs of the necessities such as fuel, food and housing. When you add to this the general state of the economy it becomes obvious as to why so many New Yorkers are having a problem with debt.

BestDebtConsolidationLoans.org decided it was important to analyze the debt consolidation loan providers available to struggling New Yorkers in order to identify those that would be the most helpful and to help the state's residents keep from being scammed. In evaluating the debt relief providers available online, the company used six criteria – financial standing, business ethics, customer satisfaction, debt solution alternatives, fees and customer service.

Based on these benchmarks BestDebtConsolidationLoans.org ranked National Debt Relief as the best alternative for New Yorkers that are drowning in debt. It found that National Debt Relief operates in a very ethical manner, that it offered its customers debt relief plans tailored to their specific situations and that its fees were in line with those of other online debt consolidation loan providers.

National Debt Relief has successfully maintained an A rating with the Better Business Bureau. It has been in business since 2007 and in those seven years has helped more than 100,000 individuals and families find debt relief. It is ranked number one on the website TopConsumerReviews.com and most of its first-time customers reported that they were "very satisfied" with the services they received from this company. National Debt Relief charges no upfront fees, as do many unscrupulous debt relief providers. In fact, it charges its customers nothing until their debts have been settled and they have signed off on their payment programs.

The online debt consolidation loan provider ranked second by BestDebtConsolidationLoans.org is CuraDebt. It concentrates on helping consumers who owe more than $10,000 in credit card debts and is most often able to provide them with satisfactory settlements because it has very good working relationships with the credit card companies. CuraDebt’s counselors can not only provide its customers with credit card reduction programs but also programs designed to help with student loan debts, defaulted loans, tax debts and medical debts.

BestDebtConsolidationLoans.org ranked American Debt Enders the third best option for debt-saddled New Yorkers. This was due in large part to the fact that the company has, in just seven years, created a reputation for being able to help consumers who owe more than $5000. Its debt experts can handle all types of credit problems. They are said to be friendly, helpful and responsive. Plus, American Debt Enders reports that it is also often able to help its customers improve their credit scores.